INTRODUCING B9 ADVANCE
Fee Free
B9 Advance is a free financial benefit built with you in mind.
Built right into the B9 Wallet, B9 Advance helps you cover unexpected expenses between paydays.
B9 ADVANCE HELPS YOU HAVE ACCESS TO CASH WHEN YOU NEED IT MOST
Available within the B9 Wallet app, B9 Advance gives you access to money between paydays. It’s repaid automatically from your paycheck.
  • No credit checks
  • No additional fees
  • No additional interest
  • Best of all, it is free for you!
Smart limits are in place to help you from overspending.
Funds available instantly with a B9 debit card*
B9 Card
FOR WHOM B9 ADVANCE IS BEST SUITED
  • GIG workers
  • Hard workers
  • Immigrants
  • Students
  • Anyone with credit history problems or without credit history
SURPRISE EXPENSES CAN POP UP AT ANY TIME
Life never goes according to plan. B9 Advance has you covered!
20% of households have less than $400 in their checking or savings accounts.
*The 2019 Survey of Consumer Finances (SCF)
Many of the people who have $400 or more available to them likely have already separated that money for another obligation (and so, in other words, the cash isn’t really available to them).
*The 2019 Survey of Consumer Finances (SCF)
HOW IT WORKS
Access your B9 Advance right in your B9 Wallet.
Set up your direct
deposit allocation
Via paper form submitted to your employer
Directly through the B9 App
Funds are credited after the first direct deposit to B9
To increase
your limit
Increase your direct deposit allocation
Add more funds to your B9 account to increase your limit

Just a quick recap of how our famous B9 Advance works:
STILL HAVE QUESTIONS? WE HAVE ANSWERS
How does it work?
Switch your direct deposit to your B9 account here > Wait until you get the first funds credited to your B9 account > Check out your B9 Advance allotment and cash out your earnings earlier -- no more waiting around for your paycheck!
How much does it cost?
It’s completely FEE-FREE!
Fee Free
What if I send funds out of my B9 account?
If you direct funds outside of your paycheck to your B9 account those funds will not count towards your payroll deposit.
All your questions answered
REVIEWS
Joe Hansbrough
Very easy to use customer service was really quick to fix the problem that I had will definitely be recommending this to my family and friends
Jabria
Choose B9. B9 has given me the flexibility to do more. With the services they offer on their platform, I am confident within myself and my finances. Thank you B9.
Kyesha Boyd
This service is been great I enjoyed it and this payment this year for my paydays I have enjoyed being with responses I get back from the customer service department
Skye Allred
B9 is One of the best places to get your check deposited to and get an advance they give you almost 100% of your paycheck is convenient is well worth it
Taylor Hillhouse
B9 from the jump!!!! B9 seriously saved my behind off the jump! I was so thankful to have stumbled upon B9 and even more thankful when they advanced me $100 instantly! I was on the app maybe 5 minutes total & had $100 advanced to me!! Thank you so much B9!! You're a life saver for sure!!!!!! -forever greatful.
Rowena Abieras
At first I didn't think the app was legit but it is. I'm happy that there's an app that does advances for those who are self employed (gig worker). Thank you B9!
T-Two
Your best friend in a pinch I really enjoyed the app and I really appreciate the loan out of nowhere when I really needed it although it could be a little more user-friendly and possibly have some alternative options for like adding more than one Bank account
AG
This is a great app to have especially when you're running low on cash and don't know what To do you can always count on b9 to come through
Carmen Jenkins
B9's tools are some of the best in the business. The bank also offers a full-service online experience and a great mobile app. They also have excellent checking and savings accounts, with no monthly fees, and a large ATM network.
Marcellus Fails
This application is great! I had a problem and they was quick to fix it and emailed me back everytime I emailed them!!!!
Cindy Junes
B9 is on point. I wish I would be able to set up my direct deposit automatically but my company is not listed. I set up my direct deposit manually and got paid right on time. Also love that my arch transfer only take 1 business day
Peter Davidson
At first I was Skeptical of this app. A lot of paycheck advancement app are Deceiving and hard to set up and are not 100% honest. B9 was actually simple and they kept there word on Everything they advertise.I got a paycheck advancement easy and quick without any fees. I would definitely recommend this app. My experience was great the only thing I would change would be that the app lets you transfer money to a debit card instantly. Plus Be compatible with Apple wallet and Apple Pay. Besides that the app is amazing and I will be using this app as my main go to when times are hard. Thank you Plus customer service it's very helpful and they respond quick. Hundred percent recommend this to anyone and everybody
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How to rent a car with a debit card?
Often companies ask for your debit card for car rentals. They need this to guarantee payment for their services. Read the specific company policies before submitting your card details. Some rental services will not do anything with your card, and some will want to hold a certain amount on your account, depending on the conditions. In this case, it is important for you to understand that you will not be able to use this money until the company does not hold it.
How to pay with a debit card?
There are many ways to pay for goods or services with a debit card. The classic way to pay in most shops is with a special device in which you swipe/insert/attach your card. Most new ones can be simply attached to the device, after what you need to enter the pin code. Although you can change your card settings and not enter a pin code for small purchases. In addition, you can add your card to an electronic wallet for example, Apple Pay. Then, to pay for anything, you will not even require the physical presence of the card; just hold your smartphone to the device. But this payment method may not work everywhere. Finally, you can withdraw money from an ATM and pay with cash if needed. However, most places have long been equipped for accepting bank cards.
At what age can you get a debit card?
Basically, a person cannot become a cardholder until they reach 18. However, there are two cases when a minor (a person under eighteen years old) can own and use a debit card. The first case is called a "student account" - this means that a teenager gets to use a personal debit card. A guardian's signature is necessary. The second case is when a minor receives their own debit card that is actually tied to their guardian's account. Thus, when a minor makes a payment, the funds are withdrawn from their guardian's account.
How to transfer money from apple cash to a debit card?
You can send the money from Apple Cash to a bank account or to a Visa®Card card. For the former case, the transaction can take from 1 to 3 working days, depends from your bank. For the latter situation, you can expect to get the sum of the money during the next 30 minutes. In order to make these kinds of transactions, your first action is to open a Wallet App and choose an Apple Cash card, from which the money would be written off. Find a menu button there, which will look like three dots, tap on the transfer to a bank, and write how much money should be sent away. After that, choose what kind of transfer is to be made: to a bank account will require a 1-2 Business days option, to a Visa®Card card Instant transfer is the way to go. The last step for you is to either tap on the debit card or a bank account, to which the money will go.
How long does it take for a debit card to arrive?
The delivery time for your new or reissued debit card depends on your bank. In most situations, cards will be delivered within 5-10 business days. If you need the card earlier, don't despair. Some banks can issue a card the very next day or after a couple of business days. Also, delivery times depend on the address. Perhaps the fastest way would be to pick up the card yourself at a bank branch. You can always clarify the terms by calling the support service.
How to add money to PayPal® from a debit card?
PayPal® is an extremely popular online transaction platform. It's been around for years and has met extensive use all around the world. People use the platform for online purchases, as well as for money transactions for other purposes. If you are a PayPal® wallet owner, you can also attach an offline card to it. That will broaden your online transaction toolset. If you want to link your offline debit card to your PayPal® wallet, you need to do the following: enter your PayPal® account, go to the wallet settings, choose the link card option. Then, you will be asked to provide the necessary information about your card and confirm the action. The system will then send you a confirmation code. Enter it to complete the procedure.
How to unblock a debit card?
As a rule, it is impossible to unlock a debit card independently since this process is controlled exclusively by the bank. If you need to unblock your card, call the bank. - Call the hotline When calling the hotline, you will need to provide your data and information about the card (number, three-digit CVV code). If the card has not expired, your card will be unblocked. In the bank, employees may also solve this problem. Provide the necessary documents, and the bank will reactivate your card within a few minutes.
How to cancel all subscriptions on your debit card?
Most of our transactions are now done through our smartphones, and by means of them, the subscriptions can be canceled. In iPhones, open your settings and search for iTunes and App Stores' menu. There, choose to enter Apple ID and look for the subscriptions tab. Afterward, you will see all of them and can easily cancel those that you need. In Androids, the same can be done through your Google account. If your membership was made by means of other devices, then look for the website of this company and cancel it there, or call them and ask for the break of the contract.
How to get a debit card?
If you have your own bank account, approved and legitimate, you can apply for receiving a debit card connected to your bank account. To get the card, you need to provide valid documents, such as a driving license, state ID card, social security, address proof, etc. There exist several simple ways to get your debit card: Get the debit card online. Go to your bank's official web page or use their mobile applications. Mind that you will not be able to use your debit card until the activation process is finished. To complete the process, you should call the phone number located on the backside of the debit card or use the App; this will activate your card. Otherwise, conveniently use your bank's mobile app for this purpose.
How to check how much money is on a debit card?
There are several ways to check the amount of funds on your debit card. The first is to use online banking, which is linked to your card. Just go to the application and see the balance; the main thing is to have an Internet connection. The second option is to try to find the nearest ATM, use it by entering the PIN code and selecting the "balance check" function. The amount that is stored on the card should appear on the screen. The last method is to call the bank's hotline, wait for an answer, and request the card balance. Perhaps you will be asked for some data to verify that you are the owner.
How to transfer money from a debit card to a prepaid card?
Cards with a stored value are very different from the usual debit cards. Talking about the regular ones, your money is kept in a private account of your bank. A debit card is a key for using these funds. Prepaid cards comprise an encrypted amount on a special anonymous account, while the debit card is recorded in the name of the owner. But sending a particular sum is no different from the usual one. It is important whether your bank has the possibility of such an operation. Ask the specialists in your bank about this option. And be sure to find out the commission that banks charge for the transfer. Knowing this, you should not have any problems with your money being sent and received.
How to get a new debit card?
The good news is that it is extremely easy to make. If your current debit card is expiring soon, you just need to go to your bank and ask for a replacement. In this case, as you have already been to this bank and made a card there, you already know all the documents that you need. But if you want to create an additional debit card, then you need to do research on the banks that are available for your region and choose the same one as for the previous card or a new one. In most cases, the documents required for this procedure are written on the website of a chosen bank, but if not, call them and ask. Depending on your bank, you can either order a new card online, or you will need to go to their nearest office and make it in person.
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Contacting B9 Customer Support

B9’s Customer Success Team is here to help you when you need us!

For faster assistance, our FAQ has answers for our most frequently asked questions and is available to you 24/7.

In-App Support

Our Agents are available for B9 members via in-app support tab:

Mon-Fri: 5 AM to 9 PM Pacific Standard Time (8 AM to 12 AM Eastern Standard Time)

Sat-Sun: 6 AM to 6 PM Pacific Standard Time (9 AM to 9 PM Eastern Standard Time)

Email Us You may email us at support@bnine.com, one of our friendly Customer Success Team members will answer in 24-48 hours.

For additional support you may phone us by clicking on the FAQ for our hours of availability.

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  • ✅ Sample letter for advance salary
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  • ✅ Sample letter for advance salary - Bnine

Sample business letter requesting salary advance

When emergency circumstances come into our lives, we are more likely to carry out rash actions to find the needed money. Some people tend to take payday loans even with an average credit score. But some lenders will charge you extra and make it only worse.

The best alternative to such unreliable methods is a Salary Advance. With this type of loan, you will be able to repay your debt safely and fastly. Moreover, salary advances give you an opportunity to make beneficial savings and may be found in your local credit union.

Sample letter asking for salary advance

Salary Advance by itself is a newly introduced financial option that lets you have your salary earlier than the official payday set by the employer. It is presented by the wage advance companies and lets you borrow money from your own salary by just taking it gradually, as you earn it, and not as a single paycheck.

Here are the distinctive features of the Salary Advance loan:

  • By having the loan approved, you also get access to financial counseling along with the savings account, to which the funds transfer is made
  • The maximum loan amount is 500 dollars throughout one paycheck period
  • It includes no fees at all
  • Interest rate percentage decreases each time the deposit sum is covered
  • Free all-day access and self-serve of the account
  • To be eligible to take the advance, an employee should be not less than 18 years old

However, each withdrawal should be discussed with a credit union officer. It is a drawback of a salary advance loan, yet it helps to monitor your funds balance. Taking the cash away without letting the officer know may cause a one-year delay in your borrowing privileges. As follows, you should make a request each time you want to take out some cash.

Sample letter for advance salary for marriage

With each new loan advance, some part of the advanced payment is converted into a deposit for your savings account. You will have access to these funds in the future, which is very helpful since the loan terms help you save this money and be able to use them. Thus, your account gives you stable dividends, which improves your balance.

Talking about the APR and required deposit, since each loan has to be no more than 500 dollars each month, you have to commit investments to cover the borrowed sum. If the salary advance cash account balance is less than 500 dollars, the APR equals 12%, and the cumulative percentage for the initial deposit comes to be only 5%.

In contrast, when you have more than 500 dollars, the APR decreases to 5.50%, and the deposit comes up to 7% of the loan advance.

Your Salary Advance Cash Account

In addition, your salary advance cash account is not so easy to access since the funds work as collateral for the advance loan at the same time. It is a guarantee that the accrued interest and the amount of the initial loan will be repaid. Also, note that the payment should be produced on the established pay date and by one payment process.

Sample letter for cash advance salary

You have to remember that there is no access to the accumulated salary advance. And even if the request to withdraw funds is accepted, the borrowing privileges will be delayed for about a month.